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论文编号：	3144
作者编号：	2120082635
上传时间：	2011/6/2 9:56:20
中文题目：	招商银行操作风险管理研究
英文题目：	The Research of Operational Risk Management in China Merchants Bank
指导老师：	马君潞
中文关键字：	操作风险 招商银行 操作风险管理框架 巴塞尔新资本协议
英文关键字：	operational risk, China Merchants Bank, operational risk management framework, New Basel Accord.
中文摘要：	在巴塞尔新资本协议将操作风险定位为银行三大风险之一以后，操作风险得到了各国监管机构和商业银行的重视，操作风险管理理论和实践得到了飞速发展。当下，随着国际化步伐的加快、金融危机引起的世界经济格局的巨大变化、金融产品的不断创新、金融工程和信息技术的广泛深入应用、银行外包业务的增加等，都大大增加了国内商业银行面临的操作风险。如何对操作风险进行主动管理，建立起满足银行自身管理需要并且符合监管机构要求的操作风险管理体系，已成为当前最为迫切的课题。 本文首先研究了操作风险的定义、特征、分类等基本问题，探讨了我国商业银行操作风险的成因。然后对招商银行操作风险管理的现状和不足进行了深入分析。针对分析结果，提出了具体对策：建立完善的操作风险管理框架，培育正确的风险文化和管理理念，完善风险治理和组织架构建设，整合制度和优化流程，建立完善的操作风险管理流程，建立强大的操作风险管理信息系统，加强对新的操作风险类型的防范，大力运用创新手段，加强信息科技风险管理。而且对具体实施方式给出了短期与中长期相结合的建议。本文在操作风险管理的理论上有一定创新，提出了较为完善的操作风险管理框架和组织架构模型，对国内商业银行有借鉴意义。在实践上，针对招商银行存在的问题所提出的对策对国内其他商业银行也有较强的参考价值。
英文摘要：	In the Basel II, operational risk waslisted as one of three major risks in commercial banks. National regulatory agencies and commercial banks are paying more attention to operational risk, operational risk management theory and practice has rapid development now. With the acceleration of the pace of internationalization, the tremendous changes in world economy caused by the financial crisis since 2008, innovation of financial products, extensive application of financial engineering tools and information technology information technology, the increase in bank outsourcing business,the domestic commercial banks are facing more operational risks. How to proactively manage operational risks, and establish a operational risk management system which not only meet the bank's own management needs,but also meet regulatory compliance requirements has become the most pressing issue. This thesis studies the operational risk definition, characteristics, classification and discusses the causes of operational risk in China.Then it analyzes China Merchants Bank`s status and issue of operational risk management. Based one analysising the China Merchants Bank`s situation ,the thesis proposed eight specific measures: One, establish sound operational risk management framework; Two, build the right risk culture and management philosophy; Three, establish a sound organizational structure; Four, integrate policy documents and optimize the process; Five, establish a sound operational risk management processes; Six, build strong information systems of risk management; Seven, prevent new operational risks; Eight, develops the innovative operational risk management tools; Nine, strengthen the information technology risk management. And then the thesis put forward the specific implementation recommendation of combining short-term and long-term. This thesis has some innovation on the operational risk management theory. It has proposed an operational risk management framework and an organizational structure model that suitable for other domestic commercial banks. In practice, the countermeasures in view of the problems existing in the China Merchants Bank have also strong reference value to other domestic commercial banks.
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